Rome, GA · FHA, VA, and USDA Loan Assumptions
Assumable Mortgage Homes for Sale in Rome, Georgia (GA)
Search active homes in Rome, GA with low-rate assumable FHA, VA, and USDA loans (2.25%–4.25%). Use our interactive equity gap and 2nd-loan calculator to slide your down payment, estimate local property taxes (Rome Area · 0.9%/yr), and get quotes from lenders serving Rome.
Assumable Mortgage Buyer ConciergeRome, GA
Shopping for a Sub-4% Home in Rome, GA?
Compare FHA/VA assumption pre-approval, 2nd-position equity gap financing, and daily alerts for newly listed sub-4% homes in Rome, GA.
Assumable Mortgage Scenarios in Rome & Georgia
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FHA 3.75% AssumableSave -$1,585/mo$497,0006 bd · 5 ba · 3,604 sqft
21 HIDDEN RIDGE DR SW
Rome, GA 30165
1st Loan Balance$285,100
Est. Equity Gap$211,900
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$1,117/mo$315,0004 bd · 2 ba · 1,950 sqft
109 WOOD VALLEY DR SW
Rome, GA 30165
1st Loan Balance$195,700
Est. Equity Gap$119,300
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$717/mo$199,9003 bd · 2 ba · 1,340 sqft
137 HUFFAKER RD NW
Rome, GA 30165
1st Loan Balance$125,300
Est. Equity Gap$74,600
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,581/mo$495,0004 bd · 4 ba · 2,680 sqft
23 STONEBROOK DR SW
Rome, GA 30165
1st Loan Balance$283,500
Est. Equity Gap$211,500
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,076/mo$300,0003 bd · 2 ba · 1,558 sqft
1609 TURKEY MOUNTAIN RD NE
Rome, GA 30165
1st Loan Balance$188,000
Est. Equity Gap$112,000
Calculate Payment & 2nd Loan
USDA 2.85% AssumableSave -$798/mo$224,9003 bd · 3 ba · 1,294 sqft
8 PINECREST DR NW
Rome, GA 30165
1st Loan Balance$139,600
Est. Equity Gap$85,300
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$441/mo$369,9004 bd · 3 ba · 2,522 sqft
139 MOUNT ZION RD SW
Rome, GA 30165
1st Loan Balance$339,200
Est. Equity Gap$30,700
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$710/mo$200,0002 bd · 1 ba · 1,468 sqft
723 AVENUE A NE
Rome, GA 30165
1st Loan Balance$124,100
Est. Equity Gap$75,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$538/mo$150,0003 bd · 1 ba · 1,131 sqft
39 OLD AIRPORT RD NW
Rome, GA 30165
1st Loan Balance$94,000
Est. Equity Gap$56,000
Calculate Payment & 2nd Loan
VA 3.75% AssumableSave -$1,496/mo$469,0005 bd · 4 ba · 3,209 sqft
205 MOUNT ALTO RD SW
Rome, GA 30165
1st Loan Balance$269,100
Est. Equity Gap$199,900
Calculate Payment & 2nd Loan
VA 2.75% AssumableSave -$1,068/mo$224,9003 bd · 2 ba · 1,244 sqft
611 BRIARWOOD CIR NW
Rome, GA 30165
1st Loan Balance$85,300
Est. Equity Gap$139,600
Calculate Payment & 2nd Loan
VA 2.85% AssumableSave -$813/mo$229,9003 bd · 2 ba · 1,507 sqft
1 WESTLYN DR SW
Rome, GA 30165
1st Loan Balance$143,100
Est. Equity Gap$86,800
Calculate Payment & 2nd Loan
Frequently Asked Questions: Assumable Loans in Rome, GA
Which loans are assumable in Rome, GA?
All government-insured FHA, VA, and USDA residential mortgages in Romeare assumable under federal guidelines, allowing a qualified buyer to take over the seller's interest rate and remaining loan balance.
How do Rome buyers finance the equity gap?
If a home in Rome is listed at $475,000 with a $315,000 assumable balance, the equity gap is $160,000. You can either bring cash or pair the 1st mortgage with a 2nd-position loan from participating Rome lenders so you only bring 5%–10% down.
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